We at Sharon L White Appraisal Services, LLC understand the unique needs of a consumer in need of appraisal services.
Our typical business clients understand the appraisal process and the customary "products" we deliver to them. Being a regular consumer that ordinarily doesn't look at appraisals every day, you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.

Pre-listing Services/For Sale by Owner

Since you have an emotional attachment to your own house, it's often very hard to be objective about it.
Professional appraisers, like the ones at Sharon L White Appraisal Services, LLC, will be objective. We'll tell you what you need to know, not just what you want to hear.
A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers.
The appraisal is something concrete to show the buyer.
It's an independent third party's opinion of your property's value, and not just you saying how much you think your house is worth.
Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value assessment than yours.

Challenging a property tax assessment

If you live in an area that is going down or not appreciating as much as other houses close by, your local tax assessor may have your home overvalued.
This means you're most likely paying higher taxes than you should be paying.
Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better.
An appraisal report from Sharon L White Appraisal Services, LLC is your number one weapon when contesting your property tax assessment.

Appraisals to cancel PMI

An attractive way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance".
Your monthly payments will go down once your mortgage loan is below 80% of the value of your home. In most cases you can apply to a lender to have the PMI canceled from your loan.
We're qualified in helping consumers just like you get rid of unwanted and unneeded PMI insurance.

Recently got a freeze to your HELOC?

Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value.
Not only can this be troublesome from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out.
An expert appraisal from Sharon L White Appraisal Services, LLC can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for precision?
We can go out and check the subject and comps in a field review.
Or, if you're in a hurry, we can provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have had done before.
Although most review work is requested by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are wise to invest in a second opinion.